Ira Greenspan, CRPC®, CMFC®
Senior Vice President, Financial Advisor, Senior Portfolio Manager, Workplace Advisor – Equity Compensation
Phone:
(301) 961-2640(301) 961-2640
The Greenspan Group at Morgan Stanley
Direct:
(301) 961-2640(301) 961-2640
Toll-Free:
(800) 745-4503(800) 745-4503
Our Mission Statement
“We Help Simplify, Organize and Coordinate your financial Life.”
Welcome
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You will have access to some of the world's most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
- Financial PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Retirement PlanningFootnote3
- Long Term Care InsuranceFootnote4
- Cash Management and Lending ProductsFootnote5
- Wealth PlanningFootnote6
- Estate Planning StrategiesFootnote7
- Trust ServicesFootnote8
- Executive Financial ServicesFootnote9
- Stock Option PlansFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A Disciplined Process Focused on You
We believe that charting a clear course to financial success begins with understanding your values, priorities and aspirations. Together, we define what is most important to you and your family and then develop the strategies to help get you there. Through each step, we provide objective advice and investment insights to construct a plan that is personalized to your needs and goals.
Step 1: Get to Know Each Other
• Listen carefully to understand what is important to you, your family and your legacy
• Identify circumstances unique to your personal situation
• Discuss important investment concepts and provide details on our investment philosophy
• Identify circumstances unique to your personal situation
• Discuss important investment concepts and provide details on our investment philosophy
Step 2: Assess Your Finances
• Gather important data, documents and financial statements
• Review the information collected to ensure data is accurate
• Analyze your current investments and cash management strategies
• Review the information collected to ensure data is accurate
• Analyze your current investments and cash management strategies
Step 3: Develop Your Plan
• Develop your personalized plan, utilizing proprietary tools and insights from Morgan Stanley
• Integrate any real estate and private investments into your overall planning
• Incorporate estate and insurance strategies
• Present our recommendations along with key action steps
• Coordinate strategies with your CPA and estate attorney
• Integrate any real estate and private investments into your overall planning
• Incorporate estate and insurance strategies
• Present our recommendations along with key action steps
• Coordinate strategies with your CPA and estate attorney
Step 4: Implement
• Prioritize activities and establish timelines
• Set up tools to provide convenient access to your accounts
• Prepare and complete necessary paperwork
• Provide ongoing updates to ensure your plan is implemented as expected
• Set up tools to provide convenient access to your accounts
• Prepare and complete necessary paperwork
• Provide ongoing updates to ensure your plan is implemented as expected
Step 5: Deliver Ongoing Service
• Schedule regular calls and meetings to discuss progress towards your goals
• Apply a strict due diligence process to evaluate investment performance
• Determine if any adjustments are needed, since personal goals and market conditions can change over time
• Apply a strict due diligence process to evaluate investment performance
• Determine if any adjustments are needed, since personal goals and market conditions can change over time
You Define Success, We Help You Achieve It
As your life and career evolve, so do your goals. We help you answer critical financial questions and adapt your strategy to meet your changing needs. Below are some of the questions that we help our clients define and solve.
Investing
"I have so many goals and priorities . . . how can one investment strategy balance them all?"
Managing Risk
"Are my investments at the right risk level? Will my family be secure if something happens to me?"
Estate Planning
"How do I protect my estate from taxes? How do I create a legacy for my children?"
Life Events
"What are my options if I’m laid off at work? How do I prepare for a more secure future if I get divorced or I lose my spouse? What happens if I must care for my parents?"
Advice Matters
Not all advice is the same. Our advice is backed by advance technology, exceptional insight and institutional scale that can't be found just anywhere - from personalized wealth planning to offering a suite of investment options, to cash management and lending, as well as online services – all underpinned by the Firm’s insights, global scope and core values.
Location
7500 Old Georgetown Rd
10th Fl
Bethesda, MD 20814
US
Direct:
(301) 961-2640(301) 961-2640
Toll-Free:
(800) 745-4503(800) 745-4503
Fax:
(240) 478-6155(240) 478-6155
Meet The Greenspan Group
Michael Rozofsky, CRPC®, CFP®
Senior Vice President, Financial Advisor, Senior Portfolio Manager, Alternative Investments Director, Workplace Advisor – Equity Compensation
Phone:
(301) 961-2644(301) 961-2644
Alexander McGee
Registered Client Service Associate
Phone:
(301) 657-6340(301) 657-6340
About Ira Greenspan
Ira is a Senior Portfolio Manager and founding partner of the Greenspan Group, a highly skilled wealth management practice located in Bethesda, Maryland. A seasoned professional with more than 20 years of experience, Ira focuses on helping successful families, nonprofit organizations and corporations achieve their financial goals and encourages use of the firm’s extensive Consulting Services. Ira is proud to be a longstanding member of Morgan Stanley, having been part of the firm’s history since 1997. This tenure enables him to build deep relationships with the firm’s senior leaders and enjoy immediate access to the firm’s global resources.
Ira grew up in a household dedicated to serving others. After earning a Master’s degree in Public Administration and a B.A. degree in Political Science from The American University, Ira began his career working with veterans in both the public and private sectors. He served under the Chairmanship of G.V. “Sonny” Montgomery (D-MS) and Bob Stump (R-AZ) in the U.S. House of Representatives and was actively involved in the Veterans Affairs Committee and Subcommittee on Compensation and Benefits.
Today as a financial advisor, Ira brings his knowledge, experience and sense of duty to the wide range of clients he proudly serves. As the senior advisor of the team, Ira is responsible for the communication and management of all client relationships. His extensive financial experience enables him to help clients achieve their retirement and legacy goals. He has significant experience helping clients protect their assets against risk through estate and insurance strategies, including long-term care.
Originally from Brooklyn, Ira now calls Boyds, Maryland, his home, where he lives with his wife, Marlo, and their two children, Leah and Zachary. A former Brotherhood President at Temple Beth Ami, Ira remains an active congregant. Outside of the office, he enjoys running, photography and watching movies.
Ira grew up in a household dedicated to serving others. After earning a Master’s degree in Public Administration and a B.A. degree in Political Science from The American University, Ira began his career working with veterans in both the public and private sectors. He served under the Chairmanship of G.V. “Sonny” Montgomery (D-MS) and Bob Stump (R-AZ) in the U.S. House of Representatives and was actively involved in the Veterans Affairs Committee and Subcommittee on Compensation and Benefits.
Today as a financial advisor, Ira brings his knowledge, experience and sense of duty to the wide range of clients he proudly serves. As the senior advisor of the team, Ira is responsible for the communication and management of all client relationships. His extensive financial experience enables him to help clients achieve their retirement and legacy goals. He has significant experience helping clients protect their assets against risk through estate and insurance strategies, including long-term care.
Originally from Brooklyn, Ira now calls Boyds, Maryland, his home, where he lives with his wife, Marlo, and their two children, Leah and Zachary. A former Brotherhood President at Temple Beth Ami, Ira remains an active congregant. Outside of the office, he enjoys running, photography and watching movies.
Securities Agent: MN, KY, IL, FL, HI, GA, NY, NJ, CT, CA, WV, NH, LA, IN, PR, PA, OK, NC, ND, VT, TX, NV, MT, ME, CO, SC, NE, MI, MD, ID, DC, AZ, WI, WA, VA, OH, MO, MA, DE, TN, OR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1295585
CA Insurance License #: Insurance #0M96432
NMLS#: 1295585
CA Insurance License #: Insurance #0M96432
About Michael Rozofsky
An experienced professional and founding partner of the Greenspan Group, Michael enjoys working with successful executives, business owners and families, providing personalized advice through a disciplined wealth management approach. His extensive background enables him to help clients achieve their retirement and estate planning goals, while building a diversified investment portfolio. Over the years, he has developed a deep and thorough understanding of the world’s financial markets and how various economic conditions impact those markets.
Growing up in Russia, Michael saw firsthand what it was like for families who have little or no opportunity to build financial security. This experience inspired him to pursue a profession that could help others create financial independence for themselves and their families now and for generations. As a caring financial advisor, Michael receives great satisfaction knowing he and his colleagues are making a significant impact on the quality of their clients’ lives.
Michael is dedicated to advanced learning for himself and his clients. Throughout his career, he has earned a number of industry designations, including Certified Financial PlannerTM, Chartered Retirement Planning Counselor® and Chartered Mutual Fund Counselor. He also maintains his insurance and managed futures licenses, as well as his Series 7 and 66 licenses. These credentials provide Michael with special skills in the areas of retirement and estate planning, wealth preservation strategies, risk management and investment strategy.
Michael moved from Moscow to the Washington D.C. area at the age of 10. Today, he lives in Bethesda, Maryland, with his wife, Libbie, and two children, Lily and Sasha. When he’s not in the office advising clients, Michael enjoys spending time with his family on the tennis court or in the swimming pool. A graduate of George Washington University, Michael has been playing tennis since the age of seven and met his wife on the courts at GW.
Growing up in Russia, Michael saw firsthand what it was like for families who have little or no opportunity to build financial security. This experience inspired him to pursue a profession that could help others create financial independence for themselves and their families now and for generations. As a caring financial advisor, Michael receives great satisfaction knowing he and his colleagues are making a significant impact on the quality of their clients’ lives.
Michael is dedicated to advanced learning for himself and his clients. Throughout his career, he has earned a number of industry designations, including Certified Financial PlannerTM, Chartered Retirement Planning Counselor® and Chartered Mutual Fund Counselor. He also maintains his insurance and managed futures licenses, as well as his Series 7 and 66 licenses. These credentials provide Michael with special skills in the areas of retirement and estate planning, wealth preservation strategies, risk management and investment strategy.
Michael moved from Moscow to the Washington D.C. area at the age of 10. Today, he lives in Bethesda, Maryland, with his wife, Libbie, and two children, Lily and Sasha. When he’s not in the office advising clients, Michael enjoys spending time with his family on the tennis court or in the swimming pool. A graduate of George Washington University, Michael has been playing tennis since the age of seven and met his wife on the courts at GW.
Securities Agent: MD, AZ, NE, WV, PR, OK, MA, GA, PA, KS, IA, HI, CO, TX, NY, NV, MO, MN, ME, ID, DE, VT, TN, NH, CA, SC, NC, IL, VA, OH, NJ, IN, CT, WI, UT, MT, KY, DC, ND, WA, OR, MI, LA, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1398705
CA Insurance License #: Insurance #0M93816
NMLS#: 1398705
CA Insurance License #: Insurance #0M93816
About Alexander McGee
Alec McGee, an ambitious and focused Registered Client Service Associate, has served as an invaluable member of the team since 2024. He provides exceptional service to clients, dedicated to the pursuit of both personal and professional excellence in their lives.
Alec has worked in the financial services industry since 2018. As a Private Mortgage Banker at Wells Fargo, he focused in creative loan scenarios for ultra-high net worth clients. In 2022, Alec joined Wells Fargo Advisors as a Senior Registered Client Associate where he discovered his passion for building long-lasting relationships with clients. Alec exhibits a true understanding of the cross-functionality of banking, lending and wealth management.
Alec’s hobbies include travel, football and the great outdoors. He has visited over a dozen countries and even climbed Mt. Fuji. Alec also volunteers with KEEN DC (Kids Enjoy Exercise Now), as well as the Philippine Humanitarian Coalition, which provides aid to families in the Philippines in the wake of natural disasters.
Alec has worked in the financial services industry since 2018. As a Private Mortgage Banker at Wells Fargo, he focused in creative loan scenarios for ultra-high net worth clients. In 2022, Alec joined Wells Fargo Advisors as a Senior Registered Client Associate where he discovered his passion for building long-lasting relationships with clients. Alec exhibits a true understanding of the cross-functionality of banking, lending and wealth management.
Alec’s hobbies include travel, football and the great outdoors. He has visited over a dozen countries and even climbed Mt. Fuji. Alec also volunteers with KEEN DC (Kids Enjoy Exercise Now), as well as the Philippine Humanitarian Coalition, which provides aid to families in the Philippines in the wake of natural disasters.
Contact Ira Greenspan
Contact Michael Rozofsky
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Maria Tashjian
Private Banker
Liam Drennan
Associate Private Banker
About Maria Tashjian
Maria Tashjian is a Private Banker serving Morgan Stanley Wealth Management offices in Maryland.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Maria began her career in financial services in 2006, and joined Morgan Stanley in 2010. Prior to being promoted to Private Banker in 2021, Maria served as the Associate Private Banker supporting Wealth Management offices in Virginia.
Maria is a graduate of the University of Massachusetts, where she received a Bachelor of Science in Management and a Master of Business Administration. She lives in Fairfax, Virginia with her family. Outside of the office, Maria enjoys spending time with her family and volunteering for local community organizations.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Maria began her career in financial services in 2006, and joined Morgan Stanley in 2010. Prior to being promoted to Private Banker in 2021, Maria served as the Associate Private Banker supporting Wealth Management offices in Virginia.
Maria is a graduate of the University of Massachusetts, where she received a Bachelor of Science in Management and a Master of Business Administration. She lives in Fairfax, Virginia with her family. Outside of the office, Maria enjoys spending time with her family and volunteering for local community organizations.
NMLS#: 1500388
About Liam Drennan
Liam Drennan is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Maryland.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Liam began his career in financial services in 2019 and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was an Associate at the Janney Montgomery Scott. He also served as a Relationship Manager at Wells Fargo Business Banking.
Liam is a graduate of the George Mason University, where he received a Bachelor’s Degree in Economics. He lives in Arlington, VA. Outside of the office, Liam enjoys running, hiking, and playing golf with friends.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Liam began his career in financial services in 2019 and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was an Associate at the Janney Montgomery Scott. He also served as a Relationship Manager at Wells Fargo Business Banking.
Liam is a graduate of the George Mason University, where he received a Bachelor’s Degree in Economics. He lives in Arlington, VA. Outside of the office, Liam enjoys running, hiking, and playing golf with friends.
NMLS#: 2284330
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Greenspan Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
